Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$64,574Cash toward the purchase price.
Closing costs + prepaids$10,219Not just lender fees.
Before credits & paid funds$74,793The complete starting cash picture.
Estimated remaining funds due at closing
$74,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,574.04
Your down payment$64,574.04
Closing costs + prepaids$10,218.93
Total buyer cash needed$74,792.97
Remaining funds due$74,792.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$353.00
Prepaid interest, first (29 days)$591.93
Fees + prepaids$10,218.93
Your down payment is the seller’s equity. You take over the $240,326 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $74,792.97 is due at closing. Uses and sources reconcile at $315,118.93 each. Not a Closing Disclosure.